Does Hybrid Limited Purpose HSA Disqualify Spouse from Contributing to HSA?

When it comes to hybrid limited purpose Health Savings Accounts (HSAs), one common question that arises is whether having this type of HSA would disqualify a spouse from also contributing to an HSA.

Fortunately, having a hybrid limited purpose HSA does not disqualify your spouse from contributing to their own HSA, provided certain conditions are met. Here's what you need to know:

Understanding Hybrid Limited Purpose HSAs:

• A hybrid limited purpose HSA is a type of HSA that can be used for certain qualified medical expenses, such as vision and dental care, but not for all medical expenses.
• These types of HSAs are typically offered by employers as part of a high deductible health plan (HDHP) to complement a traditional HSA.

Does It Disqualify Your Spouse?

Having a hybrid limited purpose HSA in your name does not automatically disqualify your spouse from contributing to their HSA. Here are some key points to consider:

• As long as your spouse is not covered by your hybrid limited purpose HSA plan, they can still contribute to their own HSA if they meet the eligibility requirements.
• Your spouse must not be covered under any other non-HDHP health insurance plan that provides coverage for the same medical expenses that the HSA covers.
• If your spouse is covered under their own HDHP plan and meets all the HSA eligibility criteria, they can contribute to their HSA regardless of your HSA status.

Key Takeaway:

Having a hybrid limited purpose HSA does not disqualify your spouse from contributing to their own HSA, as long as they meet the eligibility requirements and are not covered under your HSA plan.

When considering a hybrid limited purpose Health Savings Account (HSA), many people worry about whether this will affect their spouse's ability to contribute to their HSA. It might seem complicated, but let's clear it up!